{"id":13531,"date":"2023-04-13T10:00:38","date_gmt":"2023-04-13T02:00:38","guid":{"rendered":"https:\/\/www.bschool.cuhk.edu.hk\/chi\/?p=13531"},"modified":"2025-11-04T18:10:18","modified_gmt":"2025-11-04T10:10:18","slug":"digital-payments-and-consumer-purchase-decisions","status":"publish","type":"post","link":"https:\/\/www.bschool.cuhk.edu.hk\/chi\/digital-payments-and-consumer-purchase-decisions\/","title":{"rendered":"\u6578\u78bc\u4ed8\u6b3e\u670d\u52d9\u8207\u6d88\u8cbb\u8005\u8cfc\u8cb7\u6289\u64c7"},"content":{"rendered":"<p>\u73fe\u91d1\u65e5\u6f38\u6c92\u843d\uff0c\u96fb\u5b50\u652f\u4ed8\u65b9\u5f0f\u7684\u8208\u8d77\u4ee4\u4eba\u5011\u52a0\u5feb\u8d70\u5411\u7121\u73fe\u91d1\u793e\u6703\u3002\u6839\u64da\u4e16\u754c\u9280\u884c\u7684<a href=\"https:\/\/www.worldbank.org\/en\/news\/press-release\/2022\/06\/29\/covid-19-drives-global-surge-in-use-of-digital-payments#:~:text=Two%2Dthirds%20of%20adults%20worldwide,2017%20and%2042%25%20in%202011.\">\u8cc7\u6599<\/a>\uff0c\u5168\u7403\u6709\u4e09\u5206\u4e4b\u4e8c\u7684\u6210\u5e74\u4eba\u4f7f\u7528\u6578\u78bc\u4ed8\u6b3e\u670d\u52d9\uff0c\u767c\u5c55\u4e2d\u7d93\u6fdf\u9ad4\u6240\u4f54\u6bd4\u4f8b\u75312014\u5e74\u768435%\u589e\u9577\u81f32021\u5e74\u768457 % 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src=\"https:\/\/www.bschool.cuhk.edu.hk\/chi\/wp-content\/uploads\/shutterstock_1931626895.jpg\" alt=\"\" width=\"1000\" height=\"667\" srcset=\"https:\/\/www.bschool.cuhk.edu.hk\/chi\/wp-content\/uploads\/shutterstock_1931626895.jpg 1000w, https:\/\/www.bschool.cuhk.edu.hk\/chi\/wp-content\/uploads\/shutterstock_1931626895-600x400.jpg 600w, https:\/\/www.bschool.cuhk.edu.hk\/chi\/wp-content\/uploads\/shutterstock_1931626895-768x512.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><figcaption id=\"caption-attachment-13555\" class=\"wp-caption-text\">\u8fd1\u5e74\u4f86\uff0c\u6578\u78bc\u4ed8\u6b3e\u670d\u52d9\u8d8a\u4f86\u8d8a\u53d7\u6b61\u8fce\u3002<\/figcaption><\/figure>\n<p>\u7814\u7a76\u901a\u904e\u5728\u4e2d\u570b\u5317\u65b9\u53ca\u7f8e\u570b\u9032\u884c\u7684\u4e00\u7cfb\u5217\u5be6\u9a57\u5ba4\u5be6\u9a57\u53ca\u5be6\u5730\u5be6\u9a57\uff0c\u767c\u73fe\u82e5\u4eba\u5011\u4ee5\u4fe1\u7528\u5361\u4ed8\u5e33\uff0c\u6b63\u5982\u5728\u7db2\u4e0a\u4ea4\u6613\u7684\u6642\u5019\uff0c\u4ed6\u5011\u6703\u555f\u52d5\u4e00\u7a2e\u8f03\u62bd\u8c61\u7684\u601d\u7dad\u65b9\u5f0f\uff0c\u4fc3\u4f7f\u4ed6\u5011\u5c08\u6ce8\u65bc\u6b63\u5728\u8003\u616e\u8cfc\u8cb7\u7684\u7522\u54c1\u6216\u670d\u52d9\u7684\u4e3b\u8981\u7279\u9ede\uff1b\u53e6\u4e00\u65b9\u9762\uff0c\u4ee5\u73fe\u91d1\u4ed8\u6b3e\u5247\u6703\u4ee4\u6d88\u8cbb\u8005\u4ee5\u4e00\u7a2e\u8f03\u5177\u9ad4\u7684\u6a21\u5f0f\u601d\u8003\uff0c\u4e26\u6ce8\u610f\u7522\u54c1\u6216\u9ad4\u9a57\u7684\u6b21\u8981\u7d30\u7bc0\u3002<\/p>\n<p>\u9019\u6a23\u7684\u73fe\u8c61\u53ef\u4ee5\u6709\u591a\u7a2e\u89e3\u91cb\u3002\u9996\u5148\uff0c\u76f8\u6bd4\u4ee5\u4fe1\u7528\u5361\u8cfc\u7269\uff0c\u7576\u4eba\u5011\u4ee5\u73fe\u91d1\u4ed8\u6b3e\u6642\uff0c\u4ed6\u5011\u5f80\u5f80\u6703\u89ba\u5f97\u904e\u7a0b\u8f03\u70ba\u96e3\u53d7\u3002\u904e\u5f80\u6709\u7814\u7a76\u5df2\u7d93\u8b49\u5be6\uff0c\u8ca0\u9762\u60c5\u7dd2\u7684\u5b58\u5728\u53ef\u4fc3\u4f7f\u4eba\u5011\u4ee5\u66f4\u5177\u9ad4\u7684\u601d\u7dad\u6a21\u5f0f\u4f5c\u51fa\u6289\u64c7\u3002\u652f\u4ed8\u73fe\u91d1\u7684\u904e\u7a0b\u9084\u5305\u62ec\u4ea4\u51fa\u4e00\u5b9a\u6578\u91cf\u8089\u773c\u53ef\u898b\u3001\u8f9b\u82e6\u8cfa\u4f86\u7684\u300c\u8840\u6c57\u9322\u300d\uff1b\u800c\u4ee5\u4fe1\u7528\u5361\u4ed8\u6b3e\u537b\u53ea\u9700\u8981\u905e\u51fa\u4e00\u5f35\u5851\u81a0\u5361\u3002<\/p>\n<figure id=\"attachment_13557\" aria-describedby=\"caption-attachment-13557\" style=\"width: 1000px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-13557 size-full\" src=\"https:\/\/www.bschool.cuhk.edu.hk\/chi\/wp-content\/uploads\/shutterstock_123256873.jpg\" alt=\"\" width=\"1000\" height=\"667\" srcset=\"https:\/\/www.bschool.cuhk.edu.hk\/chi\/wp-content\/uploads\/shutterstock_123256873.jpg 1000w, https:\/\/www.bschool.cuhk.edu.hk\/chi\/wp-content\/uploads\/shutterstock_123256873-600x400.jpg 600w, https:\/\/www.bschool.cuhk.edu.hk\/chi\/wp-content\/uploads\/shutterstock_123256873-768x512.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><figcaption id=\"caption-attachment-13557\" class=\"wp-caption-text\">\u7814\u7a76\u4eba\u54e1\u63a2\u8a0e\u4e86\u4ee5\u4fe1\u7528\u5361\u6216\u73fe\u91d1\u4ed8\u6b3e\uff0c\u662f\u5426\u6703\u4ee4\u6d88\u8cbb\u8005\u4ee5\u8f03\u62bd\u8c61\u6216\u662f\u8f03\u5177\u9ad4\u7684\u601d\u8003\u65b9\u5f0f\u4f5c\u51fa\u8cfc\u8cb7\u6c7a\u5b9a\u3002<\/figcaption><\/figure>\n<p>\u518d\u8005\uff0c\u7576\u4eba\u5011\u652f\u4ed8\u73fe\u91d1\u6642\uff0c\u4ed6\u5011\u8981\u7acb\u5373\u653e\u68c4\u624b\u4e0a\u7684\u90a3\u4e9b\u91d1\u9322\uff1b\u53cd\u4e4b\uff0c\u4ee5\u4fe1\u7528\u5361\u4ed8\u6b3e\uff0c\u7531\u6b64\u7522\u751f\u7684\u8ca1\u52d9\u5f8c\u679c\u8981\u5230\u6708\u5e95\u6536\u5230\u4fe1\u7528\u5361\u5e33\u55ae\u6642\u624d\u6703\u51fa\u73fe\u5728\u773c\u524d\u3002\u4ea4\u6613\u7684\u5373\u6642\u6027\u80fd\u5c0e\u81f4\u4eba\u5011\u5c08\u6ce8\u65bc\u7576\u4e0b\uff0c\u5f9e\u800c\u5728\u8cfc\u8cb7\u6642\u63a1\u53d6\u8f03\u70ba\u5177\u9ad4\u7684\u601d\u7dad\u6a21\u5f0f\u3002<\/p>\n<p>\u9019\u4e9b\u7814\u7a76\u7d50\u679c\u70ba\u71df\u92b7\u5c08\u696d\u4eba\u58eb\u5e36\u4f86\u5177\u5be6\u7528\u6027\u7684\u555f\u793a\u3002\u7531\u65bc\u4e8b\u5148\u8b93\u6d88\u8cbb\u8005\u77e5\u9053\u4ed6\u5011\u5c07\u4ee5\u4fe1\u7528\u5361\u9084\u662f\u73fe\u91d1\u4f5c\u70ba\u4ed8\u6b3e\u65b9\u5f0f\u6216\u6703\u5f71\u97ff\u4ed6\u5011\u7684\u8cfc\u8cb7\u9078\u64c7\uff0c\u71df\u92b7\u4eba\u54e1\u53ef\u4ee5\u8003\u616e\u7576\u4ed6\u5011\u5728\u96fb\u5b50\u5546\u8cbf\u5e73\u53f0\u4e0a\u5411\u6d88\u8cbb\u8005\u50b3\u905e\u8cc7\u8a0a\u6642\uff0c\u901a\u904e\u5f37\u8abf\u4e0d\u540c\u985e\u578b\u7684\u7522\u54c1\u8a0a\u606f\uff0c\u4ee5\u589e\u52a0\u4ea4\u6613\u6210\u529f\u7684\u6a5f\u6703\u3002\u4f8b\u5982\uff0c\u4ed6\u5011\u5728\u8a2d\u8a08\u7db2\u4e0a\u4fc3\u92b7\u6d3b\u52d5\u6642\uff0c\u53ef\u8003\u616e\u4ee5\u66f4\u62bd\u8c61\u7684\u65b9\u5f0f\u50b3\u905e\u8cc7\u8a0a\u3002\u9019\u6a23\u7684\u505a\u6cd5\u6709\u52a9\u65bc\u78ba\u4fdd\u6d88\u8cbb\u8005\u5c08\u6ce8\u65bc\u5546\u5bb6\u5e0c\u671b\u88ab\u6ce8\u610f\u5230\u7684\u7d30\u7bc0\u4e26\u63d0\u9ad8\u92b7\u91cf\u3002<\/p>\n<p>&nbsp;<\/p>\n<p><strong><em>\u60f3\u8981\u4e86\u89e3\u66f4\u591a\u4fe1\u606f\uff0c\u8acb\u9ede\u64ca\u4e0b\u9762\u7684\u93c8\u63a5\u95b1\u8b80\u76f8\u95dc\u7ae0\u7bc0\uff1a<\/em><\/strong><\/p>\n<p><strong><a href=\"https:\/\/www.bschool.cuhk.edu.hk\/chi\/retail-marketing-in-the-digital-era\/\">\u5f15\u8a00\uff1a\u6578\u78bc\u6642\u4ee3\u7684\u96f6\u552e\u5e02\u5834\u5b78<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/www.bschool.cuhk.edu.hk\/chi\/capturing-consumer-attention-in-the-smartphone-era\/\">\u7b2c\u4e00\u90e8\u5206\uff1a\u5728\u667a\u80fd\u624b\u6a5f\u6642\u4ee3\u5438\u5f15\u6d88\u8cbb\u8005\u76ee\u5149<\/a><\/strong><\/p>\n<p><strong>\u7b2c\u4e8c\u90e8\u5206\uff1a\u6578\u78bc\u4ed8\u6b3e\u670d\u52d9\u8207\u6d88\u8cbb\u8005\u8cfc\u8cb7\u6289\u64c7<\/strong><\/p>\n<p><strong><a href=\"https:\/\/www.bschool.cuhk.edu.hk\/chi\/can-social-media-platform-choice-can-affect-customer-feedback\/\">\u7b2c\u4e09\u90e8\u5206\uff1a\u4e0d\u540c\u793e\u4ea4\u5a92\u9ad4\u5e73\u53f0\u80fd\u5426\u5f71\u97ff\u9867\u5ba2\u7684\u53cd\u994b\u610f\u898b\uff1f<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/www.bschool.cuhk.edu.hk\/chi\/are-touchscreens-the-future-of-food-and-beverage-retail\/\">\u7b2c\u56db\u90e8\u5206\uff1a\u8f15\u89f8\u5f0f\u5c4f\u5e55\u662f\u9910\u98f2\u696d\u7684\u672a\u4f86\u55ce\uff1f<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/www.bschool.cuhk.edu.hk\/chi\/the-importance-of-understanding-retail-trends-in-the-digital-age\/\">\u7e3d\u7d50\uff1a\u7406\u89e3\u6578\u78bc\u6642\u4ee3\u96f6\u552e\u8da8\u52e2\u7684\u91cd\u8981\u6027<\/a><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.bschool.cuhk.edu.hk\/chi\/category\/research-whitepapers\/\" target=\"_blank\" rel=\"noopener\"><button class=\"button\"><strong>\u95b1\u8b80\u66f4\u591a\u767d\u76ae\u66f8<\/strong><\/button><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4f7f\u7528\u96fb\u5b50\u652f\u4ed8\u65b9\u5f0f\u5c07\u5982\u4f55\u5f15\u8d77\u6d88\u8cbb\u8005\u7684\u4e0d\u540c\u601d\u7dad\u6a21\u5f0f\uff0c\u5f9e\u800c\u5f71\u97ff\u5176\u8cfc\u8cb7\u9078\u64c7<\/p>\n","protected":false},"author":36,"featured_media":13553,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[410],"tags":[402],"elevels":[],"features":[],"departments":[423],"class_list":["post-13531","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-research-whitepapers","tag-402","departments-marketing"],"acf":{"contributors":["1173"],"paper":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ 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